Pumpkin Pet Insurance
High reimbursement with no coverage surprises
ComprehensiveAccident Only
Est. monthly (dog)
~$55/mo
Est. monthly (cat)
~$38/mo
Reimbursement
90%
Annual deductible
$100–$500
Annual max
Unlimited
Age range
8 weeks and up
Illness wait
14 days
Accident wait
2 days
✗ No coverage for pre-existing conditions
Praised for
- ✓Always 90% reimbursement — no lower tiers that reduce payouts
- ✓Covers exam fees, behavioral therapy, and alternative care in base plan
- ✓Optional Preventive Care add-on covers vaccines, wellness exams, and more
Watch out for
- ✗Fixed 90% reimbursement only — can't lower for cheaper premiums
- ✗Higher base premiums than budget competitors
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